Estimate repayments and loan size
Use the calculator to sense-check repayments, interest-only costs and broad affordability before asking for lender terms.
Buying, refinancing or raising capital against a shop, office, warehouse, surgery, pub, hotel or mixed-use property? Count Ready helps you understand the lender route, deposit or equity, income evidence and likely risks before you apply.
A commercial mortgage is a loan secured against property used for business or investment purposes. It can be used to buy trading premises, buy a commercial investment property, refinance an existing commercial loan, release equity or support a wider business plan.
Commercial mortgage decisions are usually more individual than standard home mortgage decisions. Lenders look at the property, the borrower, the deposit or equity, income evidence, credit profile, valuation, legal position and reason for borrowing.
The right route can depend on whether the property is owner-occupied, let to a business, semi-commercial, specialist, part-vacant or being refinanced. Count Ready helps you work out which lender route is worth considering before you spend time and money on the wrong application.
Commercial mortgage enquiries are not all the same. A lender may treat an owner-occupied business premises purchase very differently from an investment property, mixed-use building or refinance.
For businesses buying a shop, office, warehouse, surgery, workshop or similar premises to trade from, lenders will consider accounts, affordability, sector and management experience.
For property let to business tenants, lenders usually review rent, lease length, tenant strength, property quality, location and landlord experience.
If you already own commercial property, a remortgage may help review terms, repay short-term finance, raise capital or restructure borrowing.
Shops with flats above, offices with residential space and other mixed-use buildings need careful lender selection because the residential and commercial elements both matter.
Pubs, hotels, care, healthcare, hospitality and leisure premises can need more detailed evidence, including trading history, licences, valuation and business plans.
Companies, partnerships and SPVs can often be considered, but lenders may review directors, shareholders, personal guarantees and the wider business profile.
Many UK businesses, landlords and companies can be considered, but lender appetite depends on the case. The aim is to identify whether your enquiry is ready for lender conversations or whether the evidence needs strengthening first.
Owner-occupied lending usually depends on business affordability, accounts, bank conduct, deposit source and whether the property suits the trade.
Investment lending usually depends on rent, lease terms, tenant quality, property condition, landlord experience and the proposed loan-to-value.
Existing owners may be able to refinance, but lenders will check current balance, value, repayment history, income and the purpose of any extra borrowing.
Adverse credit, limited accounts, unusual property, part-vacancy or previous decline does not always stop an enquiry, but lender choice becomes more important.
A strong enquiry explains the property, borrower and repayment route in plain terms. These are the areas that often shape lender appetite.
Location, condition, tenure, use class, saleability, valuation and whether the property is acceptable security for the requested loan.
Business profits, rent, lease quality, bank statements, repayment cover and whether income is stable enough for the proposed borrowing.
The deposit or equity needed depends on property type, borrower strength, risk, valuation and lender policy rather than a single fixed rule.
Company structure, directors, shareholders, experience, existing commitments, credit conduct and any personal guarantee requirements.
Title issues, leases, planning, access, licences, environmental concerns or valuation comments can affect lender decisions and timescales.
Buying, refinancing, raising capital, replacing bridging finance or funding business plans each need a clear explanation and repayment strategy.
Read the original Google reviews before you enquire, rather than relying only on selected website quotes.
Commercial mortgage decisions can involve valuation fees, legal costs, deadlines and large borrowing commitments. It is sensible to check how an adviser communicates, explains options and supports clients before moving forward.
We link directly to the live Google profile so visitors can read feedback in context.
A commercial mortgage enquiry is easier to assess when the property facts, deposit, income evidence and deadline are clear. These supporting pages help you prepare the right information before a lender is approached.
Use the calculator to sense-check repayments, interest-only costs and broad affordability before asking for lender terms.
Check what evidence may be useful for company, owner-occupied, investment, refinance and more complex commercial cases.
See how lenders usually look at the property, borrower, deposit, income evidence, credit profile, sector and purpose of funds.
You can enquire before every document is available, but the more clearly you explain the case, the easier it is to identify lender routes. For a purchase, the basics are the property type, price, deposit, expected use, income position and deadline. For a refinance, add the current balance, lender, property value and purpose of funds.
If something may worry a lender, such as limited accounts, adverse credit, a short lease, vacant space or a specialist property, it is better to explain it early. That helps avoid wasting time with lenders that are unlikely to be comfortable with the case.
The process is designed to give you practical answers before you commit to a full application.
For the full step-by-step journey, read the commercial mortgage application process guide before you move from initial review to lender approach.
Tell us the property type, value or price, loan amount, deposit or equity, income position and timescale.
We consider the likely lender routes and highlight obvious issues that may need more evidence.
If the case looks workable, we explain what documents and details can strengthen the enquiry.
Where relevant, we can discuss buildings insurance, business protection, key person cover or related insurance needs.
Share the property type, purchase price or value, loan amount, deposit or equity, income position and deadline. We will review the case and explain the lender routes worth considering.
Some commercial mortgage and business buy-to-let cases are not regulated by the Financial Conduct Authority. If your enquiry appears to fall into a regulated area, this will be explained before you proceed.
A commercial mortgage can be used to buy business premises, buy a commercial investment property, refinance an existing commercial loan, release equity, repay short-term finance or support a wider business plan where the property is suitable security.
The deposit depends on the property, borrower, income evidence, sector, valuation and lender appetite. Some cases may need more equity than others, especially where the property is specialist, part-vacant, newly trading or harder to value.
Yes, many lenders consider limited companies, partnerships and SPVs. They may review directors, shareholders, company accounts, bank conduct, experience, personal guarantees and how the property will be used or let.
Timescales vary. A straightforward refinance with clear accounts and valuation evidence can be quicker than a specialist purchase with lease, planning or legal questions. Early preparation helps reduce avoidable delays.
Yes. A commercial mortgage is secured against property used for business or commercial investment purposes. A buy-to-let mortgage is usually linked to residential letting. Mixed-use and commercial buy-to-let cases may need specialist lender assessment.
Many commercial mortgage cases are not regulated in the same way as standard residential mortgages, but the position can depend on the property and who occupies any residential element. The regulation position should be checked before proceeding.
Useful documents include property details, purchase price or valuation, deposit or equity evidence, business accounts, bank statements, rental schedules, leases, tenancy information, existing mortgage details and a clear explanation of the borrowing purpose.
Loan size is normally limited by both the property value and the income available to support repayments. For owner-occupied premises, lenders may assess trading profit and existing commitments. For investment property, they may test rent, lease strength and interest cover. The lower of the affordability and loan-to-value limits often determines the workable amount.
Pricing is case-specific rather than one standard rate. It can reflect loan-to-value, property type, sector, borrower strength, income cover, term and whether pricing is fixed or variable. Budget for valuation, legal work, lender arrangement charges and any broker fee disclosed before you proceed.
Possibly. Lenders will consider what happened, how recent it was, the amount involved, whether it has been resolved and how the business or property now supports borrowing. Explaining issues before an application allows unsuitable lender routes to be avoided.
Some lenders offer interest-only or partly interest-only terms where the property, income and repayment strategy justify it. The lender will want a credible way to repay the capital, such as sale, refinance, investment proceeds or retained business funds.
The lender combines the valuation with underwriting and legal checks. A satisfactory figure alone does not guarantee an offer: title, leases, planning, condition, environmental matters, borrower evidence and any valuation conditions must also be acceptable before completion.
